Roof financing in Florida lets you replace or repair a failing roof now instead of waiting for a leak to turn into interior damage. Cache Roofing offers financing through our partner Enhancify, with loans up to $200,000, rates from 7.99% APR, and 0% promotional options available on qualifying projects. Checking your options uses a soft credit check that does not affect your credit score, and credit scores from 550 are considered.
Use the payment calculator below to estimate a monthly payment.
How Roof Financing Works
- Get your roofing estimate. We inspect the roof and provide a written scope and price for the repair, replacement, or installation, so you know the amount you are financing.
- Check your options with Enhancify. The application uses a soft credit check, which means checking your rate does not lower your credit score. You see the loan options you qualify for, including any 0% promotional offers.
- Choose a plan and schedule the work. Once you accept a plan, we schedule your project. Payments go to the lender on the terms you selected, and Cache Roofing completes the roof on the same schedule and with the same warranty as any other job.
What Roof Financing Can Cover
Financing through Enhancify is available for the roofing and waterproofing services we provide, including:
- Full roof replacement in shingle, tile, or metal
- Roof repair and leak repair when the scope is larger than a quick fix
- New roof installation on additions and new construction
- Tile re-underlayment and tile roof replacement
- Flat and low-slope roof replacement
- Balcony, deck, and rooftop waterproofing
- Insurance deductibles and upgrades on storm damage projects
Loan amounts up to $200,000 cover the range of residential roofing projects in Northeast Florida, from a single-slope repair to a large tile roof. Our posts on how much a new roof in Jacksonville costs and how much a roof repair costs in Florida give you a sense of the numbers before you request an estimate.
Financing Terms at a Glance
- Partner: Enhancify
- Loan amounts: up to $200,000
- Rates: from 7.99% APR
- Promotional options: 0% APR promotional offers available on qualifying projects
- Credit check: soft credit check that does not affect your credit score
- Credit scores: applicants with scores from 550 are considered
Actual rates, terms, and approval depend on your credit profile and the lender’s review. We do not set the rates and cannot guarantee approval, but the soft check means there is no cost to your credit score for finding out.
Insurance Claim vs. Financing
If your roof was damaged by a storm, your homeowners insurance may cover part or all of the replacement, and financing can bridge the gap. Insurance typically pays for storm damage, not for age-related wear, and you are responsible for your deductible, any upgrades beyond the covered scope, and any depreciation the policy holds back until the work is complete. Financing can cover the deductible and upgrades, or the whole project while a claim is being reviewed.
Cache Roofing documents storm damage with photos and a written scope you can submit to your insurer; see our storm damage repair page. Our guide on how to file a roof insurance claim in Florida explains the process step by step. If the roof failed from age rather than a storm, insurance will usually not cover it, and financing is the practical route to a new roof.
Why Finance Your Roof With Cache Roofing
- Florida Certified Roofing Contractor, license CCC1336213, and insured
- The same written scope, workmanship coverage, and crews whether you pay cash or finance
- No obligation to finance: we provide the estimate first and the financing option second
- Soft credit check with no impact on your score to see what you qualify for
- Financing available on projects across Jacksonville, Ponte Vedra Beach, St. Augustine, Jacksonville Beach, Palm Coast, Gainesville, and our full service area
Call (904) 887-7663 with questions about financing or to schedule a free estimate.
Frequently Asked Questions
What roof financing options do you offer?
Cache Roofing offers financing through Enhancify with loans up to $200,000, rates from 7.99% APR, and 0% promotional options on qualifying projects. You choose the plan that fits your budget after seeing the options you qualify for.
Can I get roof financing with bad credit?
Applicants with credit scores from 550 are considered. Approval and terms depend on your full credit profile, but a lower score does not automatically disqualify you.
Does checking my financing options affect my credit score?
No. Enhancify uses a soft credit check to show your options, and a soft check does not affect your credit score.
What are the interest rates for roof financing?
Rates start at 7.99% APR, and 0% promotional options are available on qualifying projects. Your actual rate depends on your credit profile and the plan you select.
Is there a roof financing calculator I can use?
Yes. The payment calculator on this page lets you estimate a monthly payment for your project amount without entering personal information.
Can financing cover my insurance deductible?
Yes. Financing can cover the deductible, upgrades beyond the insured scope, or the whole project while a claim is under review.